Sr./Lead Credit Risk Analyst

2 months ago

Eden Prairie, United States Bluestem Brands Full time

At Fingerhut, you will enter a culture that encourages team members to be bold and courageous. A culture that is zealous in pursuit of our mission to help our customers live a better financial life. In this culture, our team members find opportunities to stretch themselves, have a voice that is valued and is listened to have a sizeable impact on the business, work cross-functionally and collaboratively. We are continually innovating and improving, challenging ourselves to take risks, learn from mistakes, and celebrate success as a team. We also grow careers, giving employees on-the-job stretch assignments, lateral moves to expand knowledge bases, and promotional opportunities that help to accelerate development.

The Lead Credit Risk Analyst will play an integral role by performing advanced analysis, identifying risks to the organization, and monitoring compliance to risk policies. In this role you will make recommendations to senior management in implementing and administering management programs. You will be the subject matter expert in all phases of the credit life cycle, working closely with our Marketing, Decision Sciences, Forecasting and Credit Implementation teams to support our growing suite of credit products. Additionally, you will drive key efforts including reporting automation and process improvement, control execution, and may support other analysis or initiatives. Mentoring skills, innovation, and the proven ability to foster a culture of strong collaboration with business partners will be critical success factors.

This is not just another job; Fingerhut's mission is to help Americans live a better financial life by helping them establish, build, or rebuild their credit. You'll help the business hold itself accountable to deliver on our mission every day.

We empower each employee to put the customer first and our culture of ensuring all employees have an impact enables an entrepreneurial passion. No matter what stage of your career, you'll make an impact on business results and interface with key leaders. As we continue to invest in machine learning, data-driven modeling, CRM tools and innovation, the future is very exciting. Join us in our mission

This role is based out of our Eden Prairie, MN head office within our hybrid environment that has team members come into the office 3 days a week.

Duties and Responsibilities:

  • Design and implement complex account management or acquisition strategies using innovative methodologies that continue to enhance the new credit and pricing strategies to drive user growth and engagement
  • Identify and manage the risk/return trade-offs in the subprime space, design and monitor champion/challenger performance, monitor custom scorecards, update segmentation, investigate additional benefits of alternative data sources/scorecards and perform ad-hoc analysis as needed
  • Monitor portfolio as well as macroeconomic trends impacting loan performance, drive adjustments to our underwriting and marketing strategies to mitigate risk
  • Partners with appropriate internal and external stakeholders to ensure data is accurate, available in a timely manner, updated as part of new initiatives, understood by other interested parties and can be extracted/analyzed quickly, while working to remediate any issues that arise
  • Working with external partners to explore different data options from outside sources
  • Leverage advanced data analytics to derive insights and optimize credit strategies
  • Proactively work with external data sources and third-party data provider to evaluate new scores, lead the development of new custom models and work
  • Establish strong relationships with internal stakeholders and influence leaders where change needs to support new business policies and strategies
  • Mentor, coach and develop more junior level team members
  • Leverage SQL/SAS to pull data and analyze results
  • Other duties or responsibilities as assigned
Required Qualifications:
  • Bachelor's degree in a technical discipline or business field (Statistics, Finance, Engineering, Information Systems, etc.) or High School Diploma with 9+ years industry experience
  • 5+ years' experience with SAS or similar programming language
  • 5+ years' experience in an analytics/modeling/reporting role
  • Advanced knowledge of decision trees and Excel
Preferred Qualifications:
  • Master's degree or CFA
  • Experience in credit risk or financial services industries
  • Exposure to SQL
  • Extensive experience with large data sets aggregated from multiple sources; enthusiasm for working on technically complex analysis
  • Demonstrated ability to collaborate and influence across different teams in the organization
  • Experience leading, motivating and developing team members
  • Strong written and verbal communication skills; ability to summarize and communicate results from complex analysis clearly; experience presenting to senior leadership or non-technical audience
  • Analytical and results oriented, independent thinker and strong problem solver
  • Experience analyzing and interpreting rules, regulations and policies


About Fingerhut:

BLST Operating Company (Bluestem Brands) is a group of FinTech, and eCommerce Retail businesses (www.bluestem.com) led by our Fingerhut and Orchard Portfolios. This position falls under Fingerhut - a long-standing fintech company. Check out www.fingerhut.com to see who we are and what we do for our customers. Fingerhut fuses our extensive years of data modeling and real-time analytics through machine learning to provide flexible payment options for our valued customers looking to establish, build, or rebuild credit. Qualifying customers use their accounts for e-Commerce purchases at fingerhut.com for everything they and their family need across a broad selection of national brands.

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